中国央行还明确指出,在线支付机构可以处理超过5000元人民币的支付交易,但超出的部分必须通过与用户支付平台账户关联的银行账户直接支付,而不是通过用户在支付平台存放的现金支付。
"Transfer limits are proposed based on a holistic consideration of payment efficiency andconvenience, as well as factors such as anti-money laundering and client fund security," thecentral bank said.
中国央行表示:“限额管理是综合考虑支付效率与便捷、以及反洗钱和客户资金安全等因素而提出的。
The new rules also forbid payment companies from opening accounts on behalf of financialinstitutions, as well as financial intermediaries involved in peer-to-peer lending, crowdfunding,wealth management, or foreign exchange. Instead these companies' funds must be held atcommercial banks.
新的规定还禁止支付机构为金融机构,以及从事信贷、融资、理财、担保、货币兑换等金融业务的其他机构开立支付账户。这些机构的资金必须存放在商业银行。
The rules require payment companies to verify a client's identity in person before openingfully functional accounts. The issue of in-person account opening has also emerged as anobstacle for MYBank and WeBank, two online-only banks recently launched by Alibaba andTencent, respectively.
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